Sep 27, 2022, 2:12 PM

A major earthquake in Illinois will cause widespread damage. Your house may need extensive repair, and personal belongings may need to be replaced. Individuals often turn to an insurance company for assistance following unexpected property damage. However, homeowners, renters, and condominium owner insurance policies exclude earthquake-related damage. Earthquake insurance is available as an add-on endorsement or stand-alone policy, but protection must be in place before a seismic event occurs. Click on the link to learn more about earthquake insurance.

Sep 21, 2022, 10:57 AM

Detectable earthquakes rarely happen in Illinois. However, with four seismic zones in the state, the possibility of a significant earthquake is very real. Click on the link for readiness tips.

Sep 14, 2022, 10:20 AM

Many large employers make health coverage available through self-funded plans. Instead of buying a group policy from a traditional insurer, the employer establishes a fund to pay health care expenses out-of-pocket. A self-funded plan gives the employer more control over benefits and typically reduces costs. Click on the link to learn more.

Sep 7, 2022, 9:00 AM

There are multiple ways to value a home. Homeowners insurance, however, is based on replacement cost. Replacement cost is how much it takes to rebuild the dwelling from the ground up using materials of like kind and quality. Click on the link to learn more.

Aug 24, 2022, 10:50 AM

Electric vehicles need the same liability and physical damage insurance as combustion models. Coverage is available from conventional auto insurers. Click on the link below for tips on insuring electric vehicles.